Latest Buzz

Credible site?

Forum: Make Money
I'm just wondering if anyone has any experience or has heard any negative reviews on Shadow Shoppers? I was looking at taking a job with them but I am unsure if it's legit or not. Any advice would be greatly appreciated!!Read More...
I have never heard of them before but by looking at their site I would say they seem to be legitimate. There are several other mystery shopping sites I have used that are fairly similar and I would say they are worth a shot. I would recommend just trying their free account and not paying for their premium. If you can make some money with their free account, then their premium might be worth it but if not, then I would caution against it. According to their site, they are in a strategic...Read More...
Last Reply By Moore Income · First Unread Post

Side Hustles

Forum: Make Money
MiniPantherMom
Let's talk side hustles! For those of you who have side hustles to pay down debt or supplement your full time income, what are they? I’ll go first! I work full time in private security, and I run my Etsy business and work Instacart on the side. I just applied to Shipt as well, which I’ve heard is very similar to Instacart.Read More...
Hey @MiniPantherMom there is a great thread on this exact topic people are giving their input on. Feel free to check it out and join in the conversation: https://community.thepennyhoar...m/topic/side-hustlesRead More...
Last Reply By Moore Income · First Unread Post

This week in… The Penny Hoarder Community

Briana
Happy Tuesday, Penny Hoarders! For those of you who might be new here, each week we'll be showcasing the latest community news and updates in an announcement post. This is a great way to keep you all up-to-date on the latest happenings. Announcements Congrats to April’s Member of the Month! We recently announced our April Member of the Month @MsKimberly. If you haven’t yet, be sure to give her a big congrats in the comments of the announcement! If you’d like to be the next...Read More...
@Briana Thank you and Penny Hoarder for the member of the month gift! I needed that! Thank you so much!Read More...
Thank you so much @Lele !Read More...
Last Reply By MsKimberly · First Unread Post

SAVING for TRAVEL

Forum: Save Money
Moore Income
Do you have a separate savings fund for travel? My wife and I both love to travel and so we try to make it a priority to save for such expenses. Even if "traveling" means just going on a day long road trip as we did over the weekend to see some nature and enjoy the spring weather. We have a box in our living room where we add bills from time to time. It says "Adventure Awaits" on the box and is a great reminder that saving for such things is worth it. It may only be a little bit here and...Read More...
@Shannon H that is great!Read More...
I set aside cash each month for my personal travels. My family is two states away and that's where I take my personal travels. I know the costs associated with traveling there based on past experiences. I always add some extra to the cash for eating out and spoiling my nephew.... Nothing like home cooking or going to your favorite local place when I am visiting.Read More...
Last Reply By Moore Income · First Unread Post

Credit Card Closure = Credit History Damage?

Forum: Debt
PNWDebtbomber
I have only one credit card, and recently paid off the entire $10,000 balance. My brother, a rabid Dave Ramsey fan, strongly suggested I close this account. I currently have a credit rating of over 800, and I want to keep my score high, in case I need to utilize credit in the future. Thoughts?Read More...
@Roy I agree completely.Read More...
I agree with both paying it off and keeping it. The problem is without any payments the credit score will drop due to lack of history. If you keep it then discipline is the operative word. Without debt is the best option provided you do not need to buy something on credit ie. home mortgage. etc.Read More...
Last Reply By Moore Income · First Unread Post

Down Payment on a House

Moore Income
Just curious to know from those who have experience in homebuying. What is a good percentage to have for a down payment on a house? I know there are options out there to pay lower down payments for first time home buyers but just curious as to what is a good amount to have in most situations?Read More...
@Roy thanks for your helpful input! You are right about the downside of FHA, I went through the numbers with a banker and I was surprised by how much I would actually be paying for the home when it was paid off!Read More...
There are always two sides to a coin. FHA loans have served the first time Buyers well for years. these loans offer low down payment as the main lure, however they are not cheap and where they start at 97% loan, once one adds up the total costs of getting one it usually ends up as over 5% of the total price with only 3% going towards the actual equity. A Conventional loan appears at the outset to not be as appealing because it usually requires a minimum of 5% down plus costs. However I...Read More...
Last Reply By Moore Income · First Unread Post

Get Paid to Open Bank Account

Forum: Banking
Wen Dee
I'm looking for a bank in Tampa, Florida area that offers cash back for opening a new account. Any suggestions are welcomed. ThanksRead More...
I just signed up with Aspiration and received $100 but have to have direct deposit which I did already. Hope it helps you.Read More...
@Wen Dee I also cannot say specifically for your area but I did find this website post that might help answer your question. I cannot personally vouch for any of the info but they seem to have some good insight. I personally have been frustrated after signing up for a local bank here in Fargo, ND. They offered a promotion but then made the "details" obscure and not very clear. We ended up not getting anything at all and they had some sort of reason (excuse) for why we did not qualify. I...Read More...
Last Reply By Wanda J. · First Unread Post

Has anyone used the Acorns app?

Forum: Investment
Have any of you used the Acorns app before? It's an app that takes the extra change from your purchases and then invest that money for you. A friend mentioned it to me, just wondering if any of you could offer some tips on it.Read More...
Thanks for all info. Something I have been wondering about for a while.Read More...
@TheSugarFreeLife it was the exact same thing for me. I love Stash. I personally think Robinhood is more complicated because you have to choose the stocks yourself and you have to purchase a whole stock whereas Stash allows you to only purchase partial stocks. @BJLEE my favorite, that I have used for years and has gotten me around 20% returns is WiseBanyan. This is my top recommended robo-adviserRead More...
Last Reply By Linderlou · First Unread Post

Share your money question or helpful tips with the community!

Briana
Hello Penny Hoarders! It's so nice to see so many new faces here and I wanted to share a quick reminder that the community is eager to hear your questions and tips! Is there a money question you've been wanting to be answered? Do you have a really cool way you save money? We'd love for you to share all of those here. Not sure how to post? Click the Share A Tip/Ask A Question button. From there you can select the forum you'd like to post in (Save Money, Debt, Home Buying, etc.) Then ask your...Read More...
I love this tip! It's so true. It's funny how much $10-15 here and there adds up. I've started to really focus on prep on Sundays and it drastically reduces the amount I spend during the week.Read More...
Best money saving tip for working people is to BRING your lunch! I have new co-worker and she is not a planner.... she will order lunch everyday and at $10-$15 a day I think her budget is starting to feel the pain of ordering lunch..... Hard to instill good habits when you do not have any idea what your financial plan is..... I see credit card debt being gone in a few months which I see as a major WIN.Read More...
Last Reply By Briana · First Unread Post

Anyone ever use the survey site MyPoints?

Forum: Make Money
Briana
If you've used MyPoints, w hat was your experience like? How much money were you able to earn on it? How does it compare to other survey sites? If you have used MyPoints and want the chance to be featured in a Penny Hoarder article, let me know!Read More...
I used Mypoints for a while but it wasn't as fruitful compared to other popular survey sites. Eventually I stopped using it.Read More...
@Vanessa I haven't heard of that one before. I recently started doing one called You Gov and it is similar in that it gives you surveys that you can actually finish.Read More...
Last Reply By Denise Hilton · First Unread Post

My comments / Posts are not being displayed

Denise Hilton
I recently joined ThePennyHoarder community and created my profile. I posted replies to a couple of posts. When I submitted my replies it worked fine but my posts were not visible. They are not even showing in the pending post section. What could be wrong?Read More...
Alright. Thanks for clearing this up.Read More...
Yes, @Denise Hilton , your first five posts will be moderated before they are published in the community. Once you hit five, you'll be able to post without approval needed. Happy to have you in the community!Read More...
Last Reply By Denise Hilton · First Unread Post

NEED HELP NAVIGATING

Forum: Make Money
Sarahbenoit2019
Hello, I’m new here and am unsure where to go to see the new job posts. Any help would be greatly appreciated.Read More...
You can browse all the jobs posted on ThePennyHoarder through this link: https://www.thepennyhoarder.com/wfhRead More...
Thanks @Moore Income for being so helpful!Read More...
Last Reply By Denise Hilton · First Unread Post

What's the best way to teach kids about money?

KellyFromKeene
I have two boys, 11 and 14. I give them a small (probably too small) allowance, and they will earn extra money sometimes doing stuff for my parents after school. Usually I make them do it for free to help out, because we all have to look after each other. Regardless, they have a bit of pocket money. I speak pretty openly (not totally transparently) about what I take home, and what things cost, how bills are paid, and how I save. It's a fine line though, becuase I have a worrier, and he gets...Read More...
KELLYFROMKEENE When our kids was younger. We had 3 jars for them. 1 was for spending 1 Donate 1 for family fun . We give our kids allowance each week about $10 to $20 They had a choice when it could came to spending there money. They could spend it rite away or save it for some thing bigger. The Donate was for them to give to a charity homeless person or school,church. There choice. Last 1 was for family fun they could choice what ever they wanted as long as they had the money for it. When...Read More...
@Buddy Hooper , that tree of plenty time bank looks interesting!! Have you used it? What's your experience been like? Thanks, @jmarr , for the info. I'm very big on gratitude and thankfulness, and think that's SOOO important to a happy life. I love hearing about young people with that attitude.Read More...
Last Reply By Bonnie Squires · First Unread Post

Working at Universities

Melinda Longtin
Hi everyone! I am going to apply for jobs at the university my fiance was just accepted into as a student. Does anyone have experience applying for and/or working for universities that would not mind sharing some general tips?Read More...
I worked at a university library years ago, and my ex continues to teach as a adjunct at several local colleges and the university. I don't have any tips to offer, but I will say that I am available to answer any specific questions you may have!Read More...
@Kiersten Hedke @Moore Income Thank you for your encouragement and input.Read More...
Last Reply By KellyFromKeene · First Unread Post
I was employed a for the last 13 year's as a "Substance abuse Counselor", both in an "Outpatient", and a "Residential Treatment Facility, (Managing Methadone to Abstinence Clients. I received my greatest rewards and fulfillments through playing a role in assisting people who suffered from the terrible" Brain Disorder" of "Addiction". Mostly to OPIATE based drugs, such as"Heroin", and any other opiate-based drugs readily available. To reestablish healthy family dynamics, stabilize clients...Read More...
CURTIS YOUNG 0 Thank you for serving our country. There so many ways you could make money. You could create ebooks on additions Course on additions and how to help a person You could all so start a blog or website on this and set a fee for every thing. A person could pay threw pay pal. I hope this has helped youRead More...
Last Reply By Bonnie Squires · First Unread Post

Get $100 when you open a new account with Aspiration!

Briana
Many of you either know of or have been asking about, Aspiration. Well here's a pretty cool offer they're rolling out exclusively for Penny Hoarders - right now you can earn $100 by opening an Aspiration account. How cool! Here are the steps to follow: Open your Aspiration Spend & Save Account by April 30, 2019. Set up and receive a direct deposit from your paycheck or government benefits by June 28, 2019. You’re good to go! Keep your eyes peeled for that $100, which will appear in your...Read More...
BRIANA could all so could be a monthly fee to. If so than it would need to be changed.Read More...
WANDA J. I think the $2 they took out is monthly fee Which you can set to 0 . You will need to go into your setting and change it. I'm on a lap top so I don't no if its different from a phone but you can see where it has Pay What Is Fair It be fee setting click this and you can change it to 0 or up to $20 I think. MOORE INCOME my be able to help more. I just open my account so i'm still learning.Read More...
Last Reply By Bonnie Squires · First Unread Post

Husband giving me a challenge to make $400 next month-

Forum: Think Bank
Bonnie Squires
Hello every one My husband has giving me a challenge for next month of making $400. This came about because I turned in my pay stubs to Social Security. Next month I'll only be getting $66 dollar and same with my husband but he has other income and i make $301 a week for taken care of him. $400 is what we need to pay every thing and have some left over money. So now i'm thinking is this possible to do. I need to come up with a plan. I need to figure out what I'll be selling. Where will I...Read More...
I've to say I didn't make my goal of $400 this month but I did make more than I though I would. Even throw it wasn't selling things off. The $6 profit from selling some things Inboxdollars I got $30 All so a survey site I do $25 So my total for the month was $61 This month I'm going to try much harder on. Because I need to make up $900 now because its what ssi took from us for me making $50 over. All so I've been in PT for my shoulder which is starting to help but still in pain and its not...Read More...
MOORE INCOME it is equip bid. Not sure if it is all over ot not I just check KS. All so there was some old Archie and super heroes comic books on there those sold highRead More...
Last Reply By Bonnie Squires · First Unread Post

Knock knock. Who's there? New Forums!

Melissa
Knock knock. Who’s there? Mustache. Mustache who? I mustache you a question, are you ready? Ready for some new boards? We have three new topics that are open and ready to hear your thoughts: Bank Accounts, Insurance and Entrepreneurship. Do you have any bank accounts that you love? How do you pick your insurance? Any entrepreneur advice? Let your voice be heard. You can find these boards under the SHARE drop down menu. If you have any questions, please feel to reach out to Briana or myself.Read More...
Insurance would be an interesting topic. I have had insurance though work for the last 25 ish years, and have noticed that in the last 5, man, has it gone downhill! I'm paying a lot more for A LOT less and its frustrating. My clients use the Marketplace, and in NH, there are very few choices.Read More...
I've some questions as well on insurance but rite now I'm running on 2 hours sleep and sitting in the ICU with hubby. He had 2 stents put in and things didn't go to good this time.Read More...
Last Reply By KellyFromKeene · First Unread Post

How many savings accounts do you have?

Forum: Banking
Grace Schweizer
I'm working on straightening out where my direct deposits go and when. I have two checking accounts and two savings accounts -- one set I plan to use for bills/debt payoff and emergency savings, and one set I plan to use for regular spending and short/long term savings goals. That plan seems right, but I've also thought about opening another savings account (or five) to keep everything separate. How many is too many? How many do you have and how do you distribute your funds?Read More...
I have one checking and one savings personally, but my son and I use a Household checking account for all our household expenses. I transfer a specific amount each payday to that account for utility, mortgage and improvement/maintenance costs. My personal stuff, I track on a spreadsheet. I am considering where my "side" income gets deposited because I want to live within my means of my full time job. Keeping all my funds in one account gives me better interest returns on those funds while I...Read More...
I have 2 checking and several (6) savings, at a few different banks. Keeping it separate makes it easier for me to save for different things. Emergency fund, longer term save, one for each kid (2), 1 for the car, 1 for misc, then a CD that I don't touch. I get my check direct deposited into three different accounts. Sounds complicated, but it really makes my life easier.Read More...
Last Reply By SMcLain · First Unread Post

This week in... The Penny Hoarder Community!

Briana
Happy Tuesday, Penny Hoarders! For those of you who might be new here, each week we'll be showcasing the latest community news and updates in an announcement post. This is a great way to keep you all up-to-date on the latest happenings. Announcements Exclusive Penny Hoarder Community offer I couldn’t help but notice that there are quite a few of you asking about Aspiration - for those wanting to try it out, here’s a really cool announcement - for a limited time, you can get $100 for opening...Read More...
It was another good week! Hard to believe that a month has already flown by and it is time to announce the new member of the month! I am not sure who it will be this month as we have had several people interacting a lot more frequently on here. Look forward to seeing who it is!Read More...
Last Reply By Moore Income · First Unread Post

The Importance of Taking Action

Moore Income
If you hang around any internet marketing or "make money online" circles for any length of time, you are sure to hear all about the importance of taking action. And rightfully so, because taking action truly is what separates those who succeed from those who don't. This past Saturday I had an experience that reminded me just how important taking action is and how it can be profitable. Friday night, I was searching Facebook marketplace for potential items to resell on eBay. I found this one...Read More...
@KellyFromKeene great resource and idea, thanks for sharing! To everyone else, I encourage each of you to take action on a daily basis. And feel free to share anything you are taking action on in this thread!Read More...
@KellyFromKeene This is a very helpful idea. It's simple, too. I love it!Read More...
Last Reply By Moore Income · First Unread Post
Hi every one I'be been interested for years having my own santa software and some other ones made for me. I'm just not sure where to go and how much these would cost. Any one have any ideas or can help. Thanks bonnieRead More...
BJLEE thank youRead More...
@Bonnie Squires You're welcome. This is a very smart idea. Good Luck to you!Read More...
Last Reply By Bonnie Squires · First Unread Post

Starting your own business, first time entrepreneurs.

mintjulep
We've successfully managed a business from our home for more than 20 years. We had a bit of an advantage because I also had a job that brought in income while my partner in life was able to quit his job to get the business started. I was a self-employed, experienced real estate agent with a good client base so I could take over paying bills. If one does not have that reliable income to fall back on, it's important to have some source of savings or a business loan to support your normal...Read More...
I had my own business for 12 years and it really was the best job I ever had Life necessitated that I make some changes to a traditional 9-5 with benefits for the time being, but I have every intention to return to being my own boss full-time in the future. I have been hitting around the idea of doing it again part-time, just not sure if it's the right time for that.Read More...
@mintjulep This is great information. Thank you and congratulations on your successful business. I've been considering starting my own business for a while. I just need to take that leap.Read More...
Last Reply By KellyFromKeene · First Unread Post

Cutting the Cord

Forum: Save Money
I'm looking at possibly ending my cable services in a couple of months when my contract ends. I already have Netflix and also Hulu(free through my subscription with spotify). Have any of you cut the cable cord and what other services have you used to watch your TV/movies? I've heard of Sling, HBO Go, and CBS All Access but i want to make sure i choose the right service combination that cutting the cord would be worth it financially. Thoughts?Read More...
Okay that sounds good. I'll be trying to weigh my options these next couple of months. Thanks so much for the insightRead More...
I use Netflix, Hulu, and Amazon. I can also stream a few of stations like the CW for free.Read More...
Last Reply By BJLEE · First Unread Post

Has anyone put carbon offsets into their budget?

Forum: Budgeting
Adam
For Earth Day I was talking to an environmental professor about saving money and helping the environment. He had a simple but profound idea: When buying services that are necessary but bad for the environment (like a long flight), factor in the cost of something called a carbon offset. Basically, carbon offsets are small investments in green programs like replanting forests or conserving land. There are calculators that tell you how much pollution your small purchase is offsetting, and it's...Read More...
@Adam I love this idea. I recently joined Arcadia Power after an article The Penny Hoarder published. It's wonderful knowing I'm making a difference without it costing me anything. This, however, would take me a little further down the right path. Thank you for sharing this!Read More...
Ah TY for letting me know. The link should be working now, and good luck implementing his idea! Let me know if it works out for you.Read More...
Last Reply By TheSugarFreeLife · First Unread Post
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